COMP <GO>
SAFT vs BAC // OPERATING MARGIN
Safety Insurance Group Inc. (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: SAFT 5
— BAC 4
■ METRIC PARITY
LAST: $103.95 (0.00%) • MKT CAP: $1.53B
operating-margins
—
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
operating-margins
32.90%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SAFT VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SAFT | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.10% | 2.50% | +8.60 | SAFT | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 30.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 12.58% | 2.10% | +10.48 | SAFT | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | 32.90% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 7.90% | 27.00% | -19.10 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 12.80% | 6.80% | +6.00 | SAFT | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.53% | 0.00% | +3.53 | SAFT | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 7/9 | -1.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.3 | 38.3 | +17.04 | SAFT | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.9x | 10.9x | +2.00 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.53B | $357.61B | -$356.08B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SAFT REV | BAC REV | SAFT GROSS % | BAC GROSS % | SAFT FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.26B | $113.10B | — | — | $192.0M | $7.52B |
| FY 2024 | $1.12B | $105.86B | — | — | $124.3M | -$13.57B |
| FY 2023 | $931.0M | $102.77B | — | — | $52.1M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SAFT // BETA —
BAC // BETA 0.90